Redeem points for a statement credit to offset travel and dining-related purchases, travel with no blackout dates at the Bank of America Travel Center, cash back or gift cards.
That means you could earn up to an unlimited 2. Click the card name to read our review. Before applying, verify details on the issuer's website:. Our pick for: Cash back.
You also get bonus rewards at grocery stores and supermarkets, plus a great new-cardholder bonus offer. Read our review. Our pick for: Travel perks. But you also earn a higher rate on "other" spending than many competing cards offer. There's a great sign-up bonus and some other good perks. And that's about it. Our pick for: Small business cash back. Options include gas stations, office supplies, travel, computer services and more. There are also bonus rewards on dining and no annual fee.
Our pick for: Small business travel rewards. This is the business version of the issuer's excellent no-annual-fee travel card. NerdWallet's credit cards team selects the best cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty.
The bank was the first to offer a licensed general-purpose credit card with the BankAmericard in Ever since, Bank of America has been well-known for its credit card line up, covering the spectrum from cash back to travel to business.
In addition to credit cards, Bank of America offers financial products and services including mortgages, car loans, checking and savings accounts and investments through Merrill Lynch. Bank of America has options for many kinds of credit card users, but some consumer groups can especially benefit from one of their credit cards.
They include:. Other Preferred Rewards benefits include discounts on auto loans and home equity loans. Learn more about the perks and requirements for becoming a Bank of America Preferred Rewards member.
The Bank of America Customized Cash Rewards credit card lets you choose the purchase category where you earn the highest cash back rate. This option can help you maximize your cash back returns depending on where you concentrate your spending. Bank of America offers travel cards for everyday consumers, small business owners and students.
You can book travel through the Bank of America Travel Center and enjoy benefits including purchase protection, roadside dispatch and lost luggage reimbursement. These offers provide an opportunity to transfer an existing debt to a new card and get a temporary break from interest as you pay it off. Bank of America has credit cards to help small business owners earn cash back or travel rewards.
By earning and redeeming rewards, you can defray some of the everyday costs of operating your business. You need to enroll in the program, but once you do, you will automatically be moved up as your balances grow. This is another instance when using Bank of America for both your checking and saving needs can help you maximize the value you get from their services.
When you use Bank of America Preferred Rewards, you can boost your rewards bonus that you earn on your BoA credit cards, qualify for auto loan and home equity discounts, take advantage of an interest rate booster for saving accounts and so much more.
Here are a few things you should consider before applying:. There is no one-size-fits-all credit card. Determining which card will offer you the most value comes down to your goals and spending habits. Knowing which categories you spend the most in each month will help you choose a card that will earn the most rewards. A good credit card should offer benefits that are easy to use and a rewards system that works best for you.
For instance, frequent travelers will find the most value with a travel-focused rewards card that offers perks such as travel statement credits, lounge access and trip insurance. Parents and other everyday shoppers might like the simplicity of a flat-rate cash back card with features like extended warranty and purchase protection. Many cards offer a sign-up bonus after you hit certain spending requirements.
If you have a smaller budget, a card with a smaller sign-up bonus might be easier to qualify for. If you ever plan on carrying a balance on your credit card, APR annual percentage rate is extremely important because it determines how much interest you pay.
Variable APRs differ from card to card but usually fall between 17 and 30 percent based on creditworthiness. Bankrate's personal finance experts have evaluated the top Bank of America cards according to our 5-star rating system. The list of criteria for rating credit cards includes:. Whether the card offers extras such as retail discounts, extended warranties on purchases, travel insurance and financial management tools. Whether the card charges an annual fee and if so, how much the card's overall value and benefits might offset the fee.
Whether the card has a sign-up bonus, welcome offer or similar sign-up incentive and how much it adds to the card's overall value. How the card's APR compares with current averages as an indicator of cost and value. Learn more about Preferred Rewards Travel Rewards. That means you could earn up to 3. Learn more about Preferred Rewards Premium Rewards. Dollar amount of each transaction made in a foreign currency or made in U.
Dollars that is processed outside the United States. You are using an unsupported browser version. Learn more or update your browser. Compare Credit Cards.
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You can get an interest rate discount. Reinventing what it means to be a confident investor Get started. Bank of America Private Bank can help you manage the complexities of substantial wealth. Videos and tips to better manage your financial life Visit BetterMoneyHabits. Get step-by-step guidance for every stage of life. Choose the card that works for you. Unlimited 1. Travel Rewards Travel Rewards No annual fee. Pause button Play button. Sign in with your online ID. Enter your passcode.
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